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  1. M

    BOI 10 year fixed

    Thinking of switching from EBS variable to BOI 3.5% 10 year fixed with 3% cashback? Is this a good deal?
  2. M

    Switching from ptsb, but it now appears I am in the tracker review

    I am wondering if you could advise me as I am at the end stage of my switch from PTSB to EBS. When the deeds were requested from PTSB they advised there was an issue but wouldn't disclose to my solicitor and I had to ring them. They told me that they are reviewing the terms and conditions of...
  3. M

    Mortgage Interest Tax Relief

    I thought this was ending, but I see today that this is being extended to 2020. I took out my mortgage in 2007 and am about to switch to EBS from PTSB. Am I entitled to MIRAS - if so is this automatic or do I need to reapply? Or do I lose this by switching the mortgage?
  4. M

    Will SVR be dropped if PTSB is merged into another bank?

    Michael Noonan has today said the Government would have to make a decision on Permanent TSB - particularly on whether it should remain as a stand-alone bank or be merged with another institution - during this quarter. Minister Noonan said the Government would still sell Irish Life, but only when...
  5. M

    Pearse Doherty misses the point on interest rates

    Speaking during a Leaders Questions debate in the Dáil today on the latest ECB interest rate cut Sinn Féin Finance spokesperson Pearse Doherty called on the government to ‘take steps to ensure that this reduction is passed onto Mortgage holders.’ Deputy Doherty said: ‘Today the European Central...
  6. M

    I lost my tracker after fixing

    I moved to a variable rate (opted for this on a tick list sent to me by PTSB) when I came off my fixed rate in 2009 after 2 years and we now pay over 6% on our variable rate mortgage. I cannot remember receiving any advice or indication that I had lost the right to a tracker by opting for a...
  7. M

    PTSB Variable rate mortgage, what next?

    The banks that are state owned seem to offer much better rates than PTSB which are ridiculously high. I am about to switch to a KMG homeloan, but nothing agreed yet. However I understand that PTSB bank could be taken over by the state. Should I just sit tight and see if this will lead to...
  8. M

    Husband working in south, wife in North

    This is a new but welcome situation, because we live in the South but were both paid in sterling - which means with currency fluctuations we have sustained a 25% pay cut. Just wanted advice about what happens about taxation? She is taxed in the North, I will be taxed in the South. Will I be...
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